Is there a credit card in the house?

If the retailer was previously looking to credit to stretch the pockets of the consumer in these hard times, then he chose the wrong government under which to practice these tactics. Enforcement of the stern tenet of getting people to ‘live within their means’ is going to bite hard into the free‐spending habits of all credit card holders. In the mean time, what hopes does the retailer have for in‐house credit and what are the real possibilities it offers in the coming decades?